Systems, Methods, and Devices for Integrating a First Party Service into a Second Party Computer Application

1. A method for conducting a transaction using an authentication value, comprising: provisioning, by a backend for a financial institution, a transaction account for a financial institution customer to an electronic wallet executed by a customer electronic device; downloading, by the customer electronic device, a merchant computer application; receiving, by a point of transaction device of a merchant, a transaction request to pay for a transaction for a good or service using the transaction account, the transaction request comprising an authentication value that links the financial institution customer, customer electronic device information for the customer electronic device, and a merchant computer application identifier for the merchant computer application together; authenticating, by the backend for the financial institution, the financial institution customer with the authentication value; generating, by the point of transaction device for the merchant, a machine-readable code comprising an identifier for the good or service and displaying the machine-readable code on a display of the point of transaction device for the merchant; receiving, by a merchant computer application executed by the customer electronic device, the identifier by reading the machine-readable code from the display; receiving, by a payment host executed by an electronic device of the merchant, the identifier from the merchant computer application; retrieving, by the payment host, transaction account information for the transaction associated with the identifier; transmitting, by the payment host, an authorization request for the transaction comprising the transaction account information to the backend for the financial institution; and receiving, by the payment host, authorization from the backend for the financial institution.

2. The method of claim 1, further comprising: the payment host receiving, from the merchant computer application, a session identifier and the identifier for the good or service; and the payment host communicating the session identifier to an electronic wallet service provider for the financial institution.

3. The method of claim 1, wherein the transaction account information comprises a cryptogram for a payment account.

4. The method of claim 1, wherein the customer electronic device is a mobile electronic device.

5. A system, comprising: a merchant electronic device for a merchant executing a payment host; a merchant point of transaction device for the merchant in communication with the merchant electronic device and comprising a display; a backend for a financial institution executing a financial institution computer program; and a customer electronic device for a financial institution customer executing a merchant computer application comprising a merchant computer application identifier and an electronic wallet; wherein: the backend for the financial institution provisions a transaction account for a financial institution customer to the electronic wallet executed by the customer electronic device; the customer electronic device downloads the merchant computer application; the merchant point of transaction device receives a transaction request to pay for a transaction for a good or service using the transaction account, the transaction request comprising an authentication value that links the financial institution customer, customer electronic device information for the customer electronic device, and the merchant computer application identifier together; the backend for the financial institution authenticates the financial institution customer with the authentication value; the merchant point of transaction device generates a machine-readable code comprising an identifier for the good or service and displays the machine-readable code on the display; the merchant computer application receives the identifier by reading the machine-readable code from the display; the payment host receives the identifier from the merchant computer application; the payment host retrieves a transaction account information for the transaction associated with the identifier; the payment host transmits an authorization request for the transaction comprising the transaction account information to the backend for the financial institution; and the payment host receives authorization from backend for the financial institution.

6. The system of claim 5, wherein the payment host receives, from the merchant computer application, a session identifier and the identifier for the good or service; and the payment host communicates the session identifier to an electronic wallet service provider for the financial institution.

7. The system of claim 5, wherein the transaction account information comprises a cryptogram for a payment account.

8. The system of claim 5, wherein the customer electronic device is a mobile electronic device.